Extended Care Agents

A long term care insurance agent will develop a policy that fits the needs of the client. It may be in home or nursing home care. They should offer both to their client with a detailed explanation of elimination periods, policy requirements, premium payments, and maximum limitations. The elimination period is the blackout period in which the policyholder must pay for the nursing home or in home services out of pocket until the policy funds take over payment. The shorter the elimination period, the higher the policy premiums will be. The long term care insurance agent will be able to determine which policy coverage type best suits their client.

Christians are encouraged to provide for each other since they are all in one family, the body of Christ. This may not be possible at all times, especially if a Christian has not made the relationships necessary to facilitate such care. God encourages Christians to use the wisdom He gives to research and think out such an important decision such as to purchase coverage from a long term care insurance agent. Christian long term care insurance agents can be most helpful in understanding the desire to make an informed and necessary decision. "Through wisdom is a house builded; and by understanding it is established." (Proverbs 24:3)

If there are family members that are willing to provide for and support an elderly relative, then the policy will not be needed. Long term care insurance agents should provide all the information necessary to make an informed decision, and should also allow plenty of time to contact others for their input and reaction to this important decision. While the policy is primarily advertised to those that are younger (under 50 years), there are instances when a long term care insurance agent has made coverage available to the elderly.

This can be quite expensive and should be considered only if financially feasible, and in accordance with state laws pertaining to the sale of a this type of policy. A professional should be licensed to sell by the state and should have passed a state given exam and is required to take continuing education credits to keep current on changes in insurance law and policy. Some long term care insurance agents are also licensed by the NASD or National Association of Securities Dealers and the SEC or Securities and Exchange Commission. Long term care insurance agents that sell a combined health insurance and investment policy are required to have at least one securities license.

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